SECURE 2.0 Compliance Engine

Automate Fiduciary Governance.
Eliminate Regulatory Risk.

The first Compliance-First ERP for the 401(k) industry. Automating eligibility, vesting, and auto-enrollment with transactional precision.

Plan Overview: Acme Corp 401(k)

ID: 4829-22 | Status: Compliant
Last Audit: 2025-10-24
Participation Rate
94.2%
▲ 2.1% vs Q3
Total Assets
$14.2M
▲ 5.4% YTD
ADP Test Status
PASS
Safe Harbor
Pending Loans
3
Requires Approval

The "Payroll Pipeline" Architecture

RetirementGuard acts as the system of record between Payroll and the Investment Custodian, enforcing logic at the source.

1

Ingestion

Automated parsing of Payroll CSV/XML feeds via Hangfire jobs. Reconciliation of deferrals vs. elections.

2

Eligibility

Rules Engine calculates entry dates based on Hours of Service and Age (402(g) limits checked).

3

Auto-Enroll

Eligible employees are automatically enrolled and escalated annually per SECURE 2.0 mandates.

4

Compliance

Daily ADP/ACP testing and automated generation of Participant Notices (QuestPDF).

Engineered for Auditability

In financial services, code is law. Our architecture treats every transaction as an immutable event.

  • 🛡️

    Immutable Audit Logs

    Every change to a Participant's election or Plan Rule is recorded with JSON snapshots of Old/New values.

  • ⚖️

    Temporal Compliance

    Effective Dating logic allows you to reconstruct Plan Rules exactly as they existed in any past tax year.

  • ⚡

    High-Performance Math

    Complex Vesting and Eligibility calculations are optimized using Dapper/Stored Procedures for massive batch processing.

ContributionLimitEnforcer.cs C# / Domain Service
1public class ContributionLimitEnforcer 2{ 3 public void ValidateContribution(Participant p, decimal amount) 4 { 5 var limit402g = _irsRules.GetLimit(LimitType.Deferral, p.Age); 6 7 if (p.YtdDeferrals + amount > limit402g) 8 { 9 throw new ComplianceException( 10 "IRS 402(g) Limit Exceeded. Excess deferral detected." 11 ); 12 } 13 14 AuditLog.Record(p.Id, "ContributionValidated", amount); 15 } 16}